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In this episode of the Loan Officer Breakfast Club, the crew crowdsources real holiday marketing strategies that LOs are using right now to generate referrals and stay top-of-mind through the end of the year. From soft-pretzel gift boxes and wreath deliveries to story-driven candy gifts and personalized "It's a Wonderful Life" baskets, you'll hear what's actually working out in the field.

Chris Johnstone also jumps in with a Black-Friday-style offer: whatever idea the group selects will be turned into a ready-to-send CRM template within 48 hours — with no setup fee for new members. And Michael Kidwell breaks down how he pulls 20+ deals a year from his two weekly networking groups, including the "teach a class on how to ask for the business" strategy that Kristen originally shared.

Whether you want referral-friendly gift ideas, year-end touchpoints for your database, or simple ways to spark more conversations with agents, this roundtable is packed with ideas you can swipe and deploy immediately.